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Wednesday, June 19th - OneAZ Credit Union will be closed in observance of Juneteenth.

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Buying a Home with OneAZ

OneAZ offers a variety of mortgage loans to meet the needs of Arizonans in all stages of life. Whether you are a first-time homebuyer or looking for your forever home, we can help you find the right home loan. OneAZ is a Fannie Mae Direct Lender, so you get low rates and simple financing.

  • Buy a home with as little as 0% down1
  • Options for investment property buyers
  • Reduced Credit Union mortgage insurance premiums

Home loans we offer:

Loan type Benefits Best if you...

Conventional Fixed Rate Mortgage icon

Conventional Fixed Rate Loan

  • Fixed interest rate for the life of the loan: 15 or 30 years
  • Predictable monthly payment
  • Buy with as little as 3% down
  • Plan on living in your home long term
  • Want a stable monthly payment unaffected by the market rates
  • Have money saved for a down payment

Adjustable-Rate Mortgages - calculator icon

ARM Loan

  • An adjustable-rate mortgage offers a lower initial interest rate
  • Rate will fluctuate after the initial lending term
  • Down payment as low as 3%
  • Plan to move or refinance in a few years
  • Want a lower initial interest rate to keep payments low

Jumbo Mortgage icon

Jumbo Loan

Loan amounts over $766,550.

Learn More

  • Finance up to $1,000,000 with as little as 3% down payment
  • Loan amounts up to $3,000,000
  • Reduced mortgage insurance premiums
  • Are looking for a forever home that you love
  • Can put at least 3% down
  • Live in a high-cost area

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FHA Loan

  • Minimum down payment of 3.5%
  • First time homebuyer programs available
  • Down payment assistance options
  • Are a first-time homebuyer who plans to live in their home (non-investment property)

No down payment? No problem! 

See if you qualify for 100% financing on your dream home!

Our 0% Down Payment Program1 is available on fixed-rate and ARM loans

  • Must have a FICO Score of 700+
  • Debt-to-Income (DTI) ratio must be 45% or lower
  • No maximum income limitations
  • No first-time homeownership requirements
  • No homebuyer education requirements 

Connect with a Loan Officer Today

arizona mortgage icon

Now Offering Down Payment Assistance

Eligible first-time homebuyers can apply through the WISH program.

Apply for a OneAZ Home Loan

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Our mortgage team is ready to find the loan solution for your needs.

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Speak with an experienced mortgage loan officer 24/7.




Schedule an appointment with a mortgage loan officer at your local branch.


Our Easy Homebuying Process

Get Pre-Qualified

It’s easy to get pre-qualified for your home loan at OneAZ. Apply now online or over the phone.

Find Your New Home

With your pre-qualification, you can start searching for a home that fits your budget and let us know when you find it.

Close the Deal

Once you’ve found your new home, choose your loan terms, lock-in your rate, and close on time, guaranteed.

Why OneAZ for Home Loans?

  • Members get a 0.25% Rate Discount2
  • 24/7 Live Application Support
  • 24-Day Closing Guarantee3
  • Low fees at closing
  • Local expertise – we know the Arizona market!
    Meet our Mortgage Team

Questions? Let us know.

See what OneAZ members are saying about our mortgages!

OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.

Home Lending Resources Guide

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.

Explore More Topics

Why Should I Get Prequalified for a Home Loan?

Learn what prequalification means and why it’s the best first step in purchasing a home.

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7 Questions to Ask Your Mortgage Lender

Before sitting down with your mortgage lender, ask these questions to have a full and better understanding of how a mortgage works and what to expect.

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First Time Homebuyer? Prepare for These 7 Hidden Costs

When budgeting for your first home, here are seven often overlooked costs that can have a big impact on your bottom line.

Keep Reading

All loans are subject to credit approval and program eligibility. Click here for the  Nationwide Mortgage Licensing System Associate List.

1 0% Down Payment is for purchase transactions only. Minimum FICO score and Maximum debt to income (DTI) ratios are applicable; strong financial profile and excellent credit are required on this program. Additional terms and conditions may be applicable, not all individuals will qualify. Inquire about other alternative financial options.

2 Conditions apply. Rates and terms subject to change at any time. Promotional interest rate is available on purchase and refinance loans.

To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

3 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.

All loans are subject to credit approval and program eligibility. Click here for the  Nationwide Mortgage Licensing System Associate List.

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